Health insurance; use of artificial intelligence prohibited in the utilization review process.

HF 1838 prohibits health insurance companies in Minnesota from using artificial intelligence in the "utilization review" process. This process determines whether health insurance will cover specific medical treatments or services before they are approved. The bill directly affects insurers and the organizations they hire to review medical claims, banning AI use in all aspects of these reviews, including initial evaluations and appeals. The law amends Minnesota Statutes to add this specific prohibition, requiring human review for coverage decisions.